Missoula is a bit of a college town, with the state’s largest university (University of Montana) based in the city. The school is also the largest employer. While Missoula is not as big as Billings, it’s population is rising with Montana‘s. It also has an interesting culture, with a mix of loggers, cowboys, artists, and students. Residents enjoy a cost of living that is about 5% lower than the national average. This also extends to the choices for cheap insurance Missoula agents have to offer. Depending on where you live in the state, auto insurance premiums can get high, so it’s worth shopping around at least twice a year.